Florida Mortgage Lenders and Rates (FL)

Finding a mortgage loan in Florida tougher than you thought? Tired of WebPages that don’t help you find what you are looking for? That is why Mortgage-Info.us is here. Whether you are looking for lenders, Mortgage Rates, or Mortgage Brokers – we’ve got it. Plus, when you fill out a custom mortgage quote form from Mortgage-Info.us, you will get offers from 2-4 different lenders competing for your business. That means you will get the best rate based on your current situation.

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Featured Mortgage Lenders in Florida

Florida Mortgage Quick Facts

Florida State Population: 17,397,161*
Median Florida Home Price: $105,500*
Florida Home Ownership Rate: 70.1%*

Types of Mortgage Loans Available in Florida

How Your Credit Score Affects Your Mortgage Rate

First you need to know what your current credit score is. You should compare that against the average Florida consumer credit score which is 673. The national average credit score is 677. Your credit score will impact what your home mortgage rate might be. Historically home mortgage rates have ranged from 5% to over 13%. Mortgage Lenders create their home mortgage rates by using the Federal Discount Interest Rate (FDIR) and then increase it by using a secret formula to create their own home mortgage rate. When you apply for a home mortgage, your home mortgage rate will be determined by a whole host of factors, but your credit score is a very important factor.

Florida Mortgage State Laws

Regarding Florida Statute Chapters

Chapter 697 The Nature of a Mortgage: Mortgages are more numerous than deeds of trust, and witnesses are not required for the creation of a mortgage.

Chapter 698- Chattel Mortgage: The title is not transferred in the mortgage. The debate of title transfer only occurs in the case of default.

Chapter 701- Assignment and Cancellation of Mortgages: Florida is unique in regards to mortgage satisfaction in that its laws are much harsher than other states. If the lender does not issue a satisfaction certificate within sixty days of the final payment of the loan, he/she has committed a second-degree misdemeanor.

Chapter 702- Foreclosure of mortgagee, Agreements for deeds, and Statutory Liens: All foreclosures, except multifamily property of more than four units, are foreclosed judicially, and in equity. The foreclosure takes place in court, and without a jury.

Florida Mortgage Fraud Office
White Collar Crime Supervisor
7820 Arlington Expressway, Suite 200
Jacksonville, FL 32211-7499

Florida Counties:

Alachua County, Baker County, Bay County, Bradford County, Brevard County, Broward County, Calhoun County, Charlotte County, Citrus County, Clay County, Collier County, Columbia County, DeSoto County, Dixie County, Duval County, Escambia County, Flagler County, Franklin County, Gadsden County, Gilchrist County, Glades County, Gulf County, Hamilton County, Hardee County, Hendry County, Hernando County, Highlands County, Hillsborough County, Holmes County, Indian River County, Jackson County, Jefferson County, Lafayette County, Lake County, Lee County, Leon County, Levy County, Liberty County, Madison County, Manatee County, Marion County, Martin County, Miami-Dade County, Monroe County, Nassau County, Okaloosa County, Okeechobee County, Orange County, Osceola County, Palm Beach County, Pasco County, Pinellas County, Polk County, Putnam County, St. Johns County, St. Lucie County, Santa Rosa County, Sarasota County, Seminole County, Sumter County, Suwannee County, Taylor County, Union County, Volusia County, Wakulla County, Walton County, Washington County.

-US Census

This site is not a broker and does not collect or solicit mortgage applications. Content is for informational or comparison purposes only. Services are not available in New York. Products and services may not be available in all other states.

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